iGaming Payment Solutions
Inpay Review
Is It the Right Payment Solution for Your iGaming Business?
Strong
Inpay is a Danish payout specialist that moves money to players in 90+ countries over local bank rails, with 200+ countries reachable once SEPA and SWIFT are counted. Founded in Copenhagen in 2008 and bootstrapped to EUR 60.1M revenue in 2023 without outside funding. Inpay puts a quarter of iGaming's Power50 operators on its payout rails; the logo wall on its own iGaming page runs 888, Betsson, NetBet, Lottoland, LiveScore and Delasport. Danish FSA licensed on three authorizations at once, the first Scandinavian company to hold all three. A Money In product adds open-banking pay-ins and Inpay does sell it to iGaming operators, but there is no card acquiring anywhere in the stack, so this is an addition to a deposit setup rather than a replacement for one. If your withdrawal queue is the bottleneck holding back player retention, this is who you call.
What operators ask about Inpay
What is Inpay?
A Danish payout specialist: it moves casino withdrawals to players in 90+ countries over local bank rails, and it pairs that with an open-banking pay-in product rather than card acquiring. Founded in Copenhagen in 2008, bootstrapped to EUR 60.1M revenue in 2023.
Do casinos actually use Inpay?
Yes: a quarter of iGaming's Power50 operators use it for withdrawals, with 888, Betsson, Lottoland and NetBet named. Danish FSA licensed with three separate authorizations, supporting MGA, UKGC and Curaçao books.
What does Inpay cost?
- Indicative rates, nothing published: 0.5-2% on deposits, 1% on withdrawals, plus 0.5-1% FX on conversions
- No setup fee, no contract lock-in, minimum $150k monthly volume
- Rates vary by corridor: a UK payout costs less than a Nigerian one
Quick Info
- Type
- Payout Specialist
- Founded
- 2008
- HQ
- Copenhagen, Denmark
- Pricing
- Custom
- Settlement
- Instant / T+1
iGaming Score
- iGaming Fit
- 8.0
- Geographic Coverage
- 6.5
- Security & Compliance
- 6.5
- Fees & Pricing
- 8.7
- Tech & Integration
- 7.0
- User Trust
- 6.4
Our iGaming Score: 7.4/10
Weighted scoring across five criteria
| Criterion | Weight | Score | Rating |
|---|---|---|---|
| iGaming Fit iGaming is a primary vertical, dedicated account managers, 888 and Betsson among the named clients, SoftSwiss and EveryMatrix connectors confirmed | 30% | 8.0 | Strong |
| Geographic Coverage 90+ countries on local bank rails and 200+ reachable in total, plus 70,000+ Eurogiro postal access points for cash pick-up. The number is held down by the model rather than by the footprint: coverage credit is weighted toward owned local acquiring, and a payout network that acquires nothing is capped regardless of reach. | 22% | 6.5 | Adequate |
| Security & Compliance Danish FSA triple-licensed, first Scandinavian to hold all three. Provider-absorbed chargeback liability and full auto KYC/AML carry the rest; the MGA, UKGC and Curaçao books it serves are operator licenses and don't add to the score | 20% | 6.5 | Adequate |
| Fees & Pricing Payout pricing lands around 1%, with no rolling reserve and no chargeback exposure, which for cross-border withdrawals beats the SWIFT wires it replaces by a wide margin. The 0.5-2% band is the Money In pay-in side. Nothing is published, so the headline is hard to compare, but the realized rates are competitive. | 16% | 8.7 | Strong |
| Tech & Integration Single API integration, but 2-3 week high-risk onboarding earns no speed bonus. Good docs, sandbox available | 12% | 7.0 | Strong |
| User Trust 3.2/5 Trustpilot from 2 reviews. Statistically meaningless. B2B payout providers rarely get consumer Trustpilot traffic | 0% | 6.4 | Adequate |
| Overall | 100% | 7.4 | Strong |
We score each provider on 5 weighted criteria using a 1 to 10 scale. iGaming Fit carries the most weight at 30% because that is what matters most for gambling operators. Geographic Coverage gets 22%. Security & Compliance gets 20%. Fees & Pricing gets 16%. Tech & Integration gets 12%. The final score is a weighted average of those 5. Trustpilot is shown for context but carries no weight, since player reviews of casinos are not a read on B2B acquiring quality.
Score Explanation
Fees and iGaming Fit carry the card. Fees scores highest because payout pricing lands around 1% with no rolling reserve and no chargeback exposure, which for cross-border payouts beats what it replaces by a wide margin; the custom-only contract is what keeps it off a 9. iGaming Fit reflects iGaming as a primary vertical, dedicated account management, confirmed SoftSwiss and EveryMatrix connectors, and a named client list running to 888, Betsson, NetBet, Lottoland, LiveScore and Delasport. Security rests on what Inpay holds itself: the Danish FSA triple authorization, chargeback liability the provider absorbs, and fully automated KYC/AML. The MGA, UKGC and Curaçao licenses on the profile belong to the operators it serves, and operator licenses don't add to a provider's security score, which is why the dimension sits at 6.5 rather than up with the fee line. Geographic Coverage is the low mark and it reads harsher than the footprint deserves: the model rewards owned local acquiring, and a payout network with no acquiring book of its own is capped there regardless of how many countries it reaches. User Trust rests on two Trustpilot reviews, which is no data at all: Inpay is B2B payout infrastructure with no consumer-facing wallet, so that channel never accumulates reviews.
Who Is Inpay Best For?
The operator profiles that fit, and the ones that do not
Recommended For
- Operators with global withdrawal demand. Player withdrawals landing in 10+ countries is where this pays for itself. Local bank rail connectivity in 90+ markets means payouts arrive through domestic clearing systems rather than international wires: lower fees, faster arrival, fewer failed transactions. 888 and Betsson run exactly this kind of multi-market payout operation.
- Casinos expanding beyond their home market. Moving into geographies where you hold no local banking relationships. Instead of opening correspondent accounts country by country, one Inpay integration covers the payout side, and the Eurogiro postal network adds 70,000+ cash collection points in markets where bank penetration is low.
- High-volume sportsbooks needing instant payouts. Sportsbooks processing thousands of withdrawals a day. Mass payout capability handles bulk disbursements through a single API call, and instant processing in supported corridors means players get paid fast, which is what decides whether they deposit again.
- Operators tired of chargeback exposure on withdrawals. Withdrawal chargeback exposure disappears structurally rather than contractually. Bank transfers carry no chargeback mechanism the way card payments do, so once an Inpay payout settles into a player account there is no reversal path, and no reserve held against one.
Not Recommended For
- Operators needing deposit processing. Card acquiring is the gap, not deposits as such. Inpay does run a Money In product and does sell it to iGaming operators, but it is open banking only: no Visa, no Mastercard, no card-present or card-not-present processing. Any operator whose deposit mix leans on cards still needs Nuvei, Worldpay or Trustly alongside it, which means two integrations and two reconciliation streams.
- Small operators under $150k/month. Operators processing under $150k monthly are below the floor. That is a lower bar than Trustly at $300k or Brite at $200k, but it is still a floor; NOWPayments does crypto payouts starting from zero.
- Platforms requiring card acquiring. Anything that has to touch the card networks. Inpay works exclusively through bank rails and account-to-account transfers, so card-present terminals, card-on-file billing and card refunds are all outside the product. Worldpay and Nuvei cover card acquiring.
- Single-market European operators. Running in a single European market. If all your players are in the UK or Germany, your acquiring bank probably handles domestic payouts fine. Inpay's value shows up when money has to cross borders into several countries at once.
Geographic Coverage
Per-market verdict, regions, and market focus
Regions
- Europe
- Nordics
- Asia-Pacific
- LATAM
- Africa
Coverage Analysis
90+ countries through local bank networks. Europe is the strongest region with direct connectivity to domestic clearing systems. Emerging markets in Asia, Africa and Latin America work through the Eurogiro postal banking network, which adds 70,000+ physical access points. The Middle East and Central Asia are covered too. North America is supported but less of a focus. The actual value is not just country count but local rail access. International wire transfers cost $15-40 per transaction and take 2-5 days. Local bank payouts through Inpay cost a fraction of that and arrive same day or next day. Trustly covers 6,300+ European banks but only within Europe. Brite reaches 3,800+ banks but again Europe only. For truly global payout reach, Inpay and Nuvei are the realistic options.
Regional Breakdown
Europe is home base. Nordics, UK, DACH, Benelux and Southern Europe all have direct bank connectivity. Eastern Europe is well covered too. Asia has strong corridors to India, Philippines, Vietnam and Bangladesh. Africa connects through local partnerships in Nigeria, Kenya, South Africa and a dozen other markets. Latin America reaches Brazil, Mexico, Colombia, Argentina and Chile. Eurogiro, which Inpay acquired in 2018, fills gaps in markets where Inpay doesn't have direct bank relationships. The network started as postal banking infrastructure and now connects financial institutions across 60+ countries. For iGaming operators specifically, the European and Asian corridors matter most since those are where cross-border payout volumes concentrate. One gap: real-time payouts are available in some but not all corridors. Ask for a corridor-specific SLA sheet before committing.
Gambling Licenses Served
- MGA
- Curaçao
- UKGC
Key Features for iGaming Operators
Products, payment methods, and verticals
Key Products
Instant Payouts, Open Banking
Three products. Inpay Money Out is the one the business was built on: instant cross-border bank transfers to 90+ countries through a single API. Operators submit payout requests, Inpay routes them through local banking rails on a claimed 99% completion rate, players receive money in their domestic bank accounts. Inpay Money In handles open-banking pay-ins and is sold to iGaming operators as the deposit half of a single-provider setup, though it carries no card acquiring. Eurogiro, acquired in 2018, extends reach to 70,000+ postal banking access points where traditional bank coverage is thin, including cash pick-up. Smart routing picks the corridor for each payout on destination, amount and speed.
Payment Methods
Bank-to-bank transfers through local clearing systems. No cards, no wallets, no crypto, and no Apple Pay or Google Pay. Players receive payouts directly into their bank accounts over domestic rails: SEPA and local instant payment schemes in Europe, local ACH equivalents in Asia and Africa, SWIFT where no local rail exists, and cash pick-up through the Eurogiro postal network. The simplicity is the point. Every payout goes bank-to-bank with no intermediary steps, no card network fees and no wallet withdrawal delays. Mass payout capability handles bulk disbursements through a single API call, and the routing engine picks the corridor per payout on speed and cost, on a claimed 99% completion rate. The 90+ figure attached to Inpay is countries and currencies, not a method count: there is one method here, and it is a bank transfer.
Verticals
iGaming is one of six sectors Inpay sells into, alongside financial services, crypto businesses, corporates, NGOs and fintech partnerships. It is not an ecommerce or retail processor and never has been. The crypto line is fiat rails for exchanges, wallets and on-ramps rather than crypto processing, and the NGO line goes back to the donation that started the company. What that mix buys an operator is a product team building for cross-border money movement rather than for checkout conversion: instant payouts for responsible-gaming compliance, mass disbursements for tournament winnings, multi-currency settlement across borders. Support tickets go to people who understand gambling payment flows, which is a step up from generic fintech customer service.
- iGaming
- Financial services
- Crypto businesses
- Corporates
- NGOs
- Fintech partnerships
| Feature | Status | Details |
|---|---|---|
| Deposit Processing | Available | Real-time (Open Banking) |
| Withdrawal / Payout | Available | Instant |
| Instant Withdrawals | Available | Instant |
| KYC / AML Built-in | Available | Full auto |
| Chargeback Protection | Available | Provider (0% chargeback) |
| Multi-Currency | Available | 90+ fiat |
| API Integration | Available | Single API |
| Local Payment Methods | Available | Varies by market |
| iGaming Specialization | Available | Instant cross-border payouts |
| Geographic Coverage | Available | 90 countries across Europe, Nordics, Asia-Pacific, LATAM, Africa |
Pricing & Fee Structure
Fee structure and pricing model
Rate Card
Custom 0.5-2%
Custom 1%
Instant / T+1
Not published
None
0.5-1%
Custom
$0
Yes
Pricing Details
Custom pricing across the board. Deposit fees listed at 0.5-2%, withdrawal fees at 1%. FX markup of 0.5-1% on currency conversions. No setup fee, no contract lock-in. $150k minimum monthly volume. These numbers look competitive for cross-border payouts when you factor in what they replace. A traditional SWIFT wire costs $15-40 per transaction plus correspondent bank fees plus 2-5 day settlement. Inpay's local rail approach costs a fraction of that per transaction and settles same day or next day. The problem with evaluating Inpay pricing: everything is custom and nothing is published. Competitors with transparent pricing like Noda, which publishes open banking rates from 0.1%, and NOWPayments at 0.5-1% make comparison easier. Trustly charges operators 0-1% for European A2A transfers with no minimum volume. Brite is similar in Europe. For global cross-border payouts specifically, Inpay's rates are reasonable but you won't know your exact rate until you talk to sales.
Negotiation Tips
Get corridor-specific pricing. Inpay's costs vary dramatically by destination country. A payout to the UK costs less than a payout to Nigeria because the banking infrastructure is different. Ask for a full corridor price list for your top 10 payout destinations before signing. Push for volume tiers at $250k, $500k and $1M monthly thresholds. The FX markup of 0.5-1% is negotiable, especially if you can settle in the destination currency and handle conversion yourself. Compare against your current payout costs carefully: if you're running SWIFT wires at $25 per transaction and Inpay charges 1% on a $200 payout, that's $2 versus $25. Even at higher percentage rates the absolute cost per transaction is usually lower than wire transfers. If most of your payouts stay within Europe, Trustly at 0-1% or Brite with 4-second median processing may beat Inpay on both price and speed for that specific corridor.
Speed & Settlement
Transaction processing and settlement timelines
Real-time (Open Banking)
Player-initiatedInstant
Operator payoutInstant / T+1
To operator accountMulti-currency (90+ countries)
Settlement optionsWithdrawals are listed as instant in supported corridors. Settlement to operators runs T+0 to T+1, among the fastest in the catalog. Only Brite at T+0 consistently matches this. Trustly does T+1. Nuvei settles T+2 to T+7. AstroPay at T+1 to T+2. Refund processing takes instant to 24 hours. The 'instant' withdrawal claim needs a qualifier though: some corridors are truly instant while others take a few hours depending on the local clearing system schedule. European SEPA instant is truly real-time. Asian and African corridors may take longer. Ask for corridor-specific SLAs. Integration timeline is about 2 weeks for the API plus 2-3 weeks for high-risk compliance onboarding, so roughly a month from contract to first live payout.
Integration & Tech
Developer experience and technical capabilities
- API Type
- Single API
- Onboarding
- 2-3 weeks
- Sandbox
- Yes
- Mobile SDK
- No
- White-Label
- No
- Docs Quality
- Good
Integration Time
2 weeks
Pre-Built iGaming Integrations
- SoftSwiss
- EveryMatrix (MoneyMatrix)
Integration Assessment
Single REST API. Sandbox available for testing before going live. Documentation rated Good. Integration timeline is about 2 weeks for the technical connection. High-risk onboarding adds 2-3 weeks on top for compliance review, so budget a month total from contract signing to first live payout. Pre-built connectors for SoftSwiss and EveryMatrix (MoneyMatrix) confirmed. Also available through Corefy orchestration. Auto-reconciliation handles matching payouts to player records. No setup fee.
Risk & Compliance
Licensing, fraud prevention, and regulatory compliance
Supported Gambling Licenses
- MGA
- Curaçao
- UKGC
- KYC/AML Automation
- Available. Full auto
- Chargeback Protection
- Available. Provider (0% chargeback)
- Licenses
- Danish FSA
- Fraud Prevention
- 0% chargeback exposure
- Responsible Gaming
- Yes (API)
- Tokenization
- Yes
- Dispute Resolution
- Dedicated payout team
Compliance Context
Danish Financial Supervisory Authority licensed with three separate authorizations: Electronic Money Institution, Payment Service Provider and Third Party Provider. First Scandinavian company to hold all three simultaneously. This means Inpay can issue e-money, process payments and initiate transactions from other bank accounts. Supports operators licensed under MGA, UKGC and Curaçao. The 0% chargeback liability is structural, not contractual. Bank transfers simply don't have chargeback mechanisms like card networks do. Once a payout settles into a player's bank account, there is no reversal path through Inpay. Full auto KYC/AML with transaction monitoring. Tokenization for stored player banking details. Responsible gaming API integration for deposit and withdrawal limits. No rolling reserve requirement listed, which contrasts with AstroPay at 5-8% held for 3 months and Nuvei at similar levels held for 6 months.
Regulatory Position
Danish FSA with three licenses: EMI, PSP and TPP. First Scandinavian company to hold all three. Supports operators under MGA, UKGC and Curaçao gambling licenses. Full auto KYC/AML transaction monitoring. 0% chargeback exposure from bank-to-bank architecture. No rolling reserve. Tokenization for stored player data. Responsible gaming API for withdrawal limits and self-exclusion compliance.
About Inpay: Company Background
Company and product information
- Company Name
- Inpay
- Headquarters
- Copenhagen, Denmark
- Founded
- 2008
- Employees
- 180+ across two offices. Copenhagen and London, per Inpay's own About page (Aug 2026).
- Company Type
- Private
- Product Type
- Payout Specialist
- Licenses
- Danish FSA
- Key Products
- Instant Payouts, Open Banking
- Website
- inpay.com
- Supported Verticals
- iGaming, Financial services, Crypto businesses, Corporates, NGOs, Fintech partnerships
- Integration Type
- Single API
- Settlement Speed
- Instant / T+1
- Onboarding Speed
- 2-3 weeks
- Named iGaming Clients
- 888, Betsson, NetBet, Lottoland, LiveScore Bet
Company History
Inpay started in Copenhagen in 2008 with a personal irritation. Danish entrepreneur Jacob Tackmann Thomsen went online to donate to relief after the cyclone that hit Myanmar that year, lost 5% of the donation to card fees and waited days for it to arrive. The company he built to fix that routed money through direct connections into local banking systems instead of SWIFT correspondent banks, and NGO payments remain one of its sectors today.
Through the 2010s Inpay added banking connections country by country. In 2018 it acquired Eurogiro, the postal payments network, opening markets in Asia and Africa where bank connectivity was thin and adding cash pick-up at post offices. In 2023 the Danish FSA granted the EMI license, making Inpay the first Scandinavian company to hold EMI, PSP and TPP authorizations at the same time. Revenue reached EUR 60.1M that year with EUR 13.0M EBITDA, entirely without external funding.
Today: 180+ staff across Copenhagen and London, 1M+ transactions a month, still bootstrapped. A quarter of iGaming's Power50 are on the payout rails, with 888, Betsson, NetBet, Lottoland, LiveScore and Delasport on the public logo wall. Thomas Jul left the CEO seat in May 2024 and Steen Nielsen, 32 years in financial services at Nordea, DnB Nord and Jyske Bank, took over; Gideon van den Broek came in as CCO to lead commercial expansion. Recent partnerships run to Tranglo for instant SEPA payouts across Europe and FinMont for travel disbursements. The Money In open-banking product is the one real expansion of scope, and it is now sold into iGaming rather than held back from it.
What Users Say About Inpay
What the review record shows, and what it does not
Review Analysis
3.2/5 on Trustpilot from 2 reviews. Not enough data to analyze. Two reviews is noise. For context, Trustly has 2.9/5 from 3,187 reviews and Brite has no Trustpilot profile at all. B2B payout infrastructure providers don't generate consumer review volume because end users usually don't know which backend provider sent their bank transfer.
Context for Operators
Ignore the Trustpilot score for decision-making. Two reviews tells you nothing about service quality. Better signals for a B2B payout provider: client retention rate, uptime guarantees, corridor coverage, and whether named clients like 888 and Betsson keep using the service. Inpay claims a quarter of the Power50 and grew to EUR 60.1M revenue without outside funding, which suggests operators stick around.
Named iGaming Clients
888, Betsson, NetBet, Lottoland, LiveScore Bet
The logo wall on Inpay's iGaming page carries 888, Betsson, NetBet, Lottoland, LiveScore and Delasport, the last of those a platform supplier rather than an operator. Inpay claims a quarter of iGaming's Power50 use its payout services, which puts the count at roughly 12-13 of the top operators globally, so the published six are a subset. Beyond gambling, forex and financial-services firms were the original client base and remain significant, and named partners include Tranglo for instant SEPA payouts, FinMont for travel, CIMB and the Danish Red Cross. The bootstrapped model is itself a client-confidence signal: EUR 60.1M revenue and EUR 13.0M EBITDA out of operations alone, no VC exit timeline, no pressure to cut compliance corners for growth.
Operational Details
Business terms, contracts, and support
- Dedicated Account Manager
- Yes
- Minimum Monthly Volume
- $150k
- Contract Lock-In
- No
- Migration Support
- Yes
- Min/Max Transaction
- $10 - $100,000
- Mass Payouts
- Instant global · No published limit
- Biometric / One-Click
- Yes
- Reporting
- Auto-recon
Bootstrapped Danish payout specialist, founded in Copenhagen in 2008 after its founder lost 5% of a cyclone-relief donation to card fees, and still owned by its founders with no outside capital. 180+ staff across Copenhagen and London, 1M+ transactions a month, EUR 60.1M revenue and EUR 13.0M EBITDA in 2023, the last year with published figures. Danish FSA licensed on three authorizations at once (EMI, PSP, TPP), the first Scandinavian company to hold all three, and it supports operators licensed by the MGA, the UKGC and Curaçao. The gambling book is the logo wall on its own iGaming page: 888, Betsson, NetBet, Lottoland, LiveScore and Delasport, with a claim of a quarter of iGaming's Power50 on the payout rails. Steen Nielsen took over as CEO in May 2024 from Thomas Jul. The operational point for an operator is that Money Out is mature and Money In is not a card replacement: Inpay is an addition to a deposit stack, not a substitute for one.
Frequently Asked Questions
7 questions about Inpay
Yes. Danish FSA licensed with three separate authorizations, the first Scandinavian company to hold all three. Supports operators under MGA, UKGC and Curaçao gambling licenses. 0% chargeback liability because bank-to-bank transfers have no chargeback mechanism. Full auto KYC/AML. Operating since 2008 with EUR 60.1M revenue in 2023. A quarter of iGaming's Power50 use them, with named clients including 888 and Betsson.
90+ countries through local bank rails. Strongest in Europe with direct clearing system access. Asia, Africa and Latin America connect through local banking partnerships and the Eurogiro postal network with 70,000+ access points. Real-time payouts available in some but not all corridors. Ask for a corridor-specific SLA sheet for your target markets.
Listed as instant in supported corridors. European SEPA instant is truly real-time. Other corridors may take a few hours depending on local clearing schedules. Settlement to operators is T+0 to T+1, matching the fastest in the industry. Only Brite at T+0 is consistently quicker. Trustly does T+1. Nuvei settles T+2 to T+7.
Different scope. Trustly handles both deposits and payouts in Europe with 6,300+ banks and Pay N Play for registration-free gambling. 0-1% fees with T+1 settlement. Inpay does payouts only but covers 90+ countries versus Trustly's European focus. If you operate in Europe only, Trustly is the complete solution. If your players are in 20+ countries across multiple continents, Inpay solves the payout side globally while you still need Trustly or similar for European deposits.
Yes. SoftSwiss connector confirmed. EveryMatrix (MoneyMatrix) also has an Inpay integration. Also available through Corefy orchestration. If you run another platform without a pre-built connector, plan for custom API integration taking about 2 weeks.
$150k monthly. This positions Inpay for mid-market and enterprise operators, above the startup tier. If you process under $150k/month, Trustly and Brite won't help, since their published floors are higher still at $300k and $200k monthly. For global payouts at smaller scale, you are likely stuck with SWIFT wires through your acquiring bank until volumes grow.
0% chargeback liability for operators. This is structural: bank-to-bank transfers have no chargeback mechanism the way card networks do. Once money lands in a player's bank account through Inpay, there is no Inpay-facilitated reversal path. This contrasts with card processors where chargeback liability typically sits with the merchant.
Our Verdict: Should You Use Inpay?
Final assessment for iGaming operators
Overall iGaming Score
Summary
Inpay does one thing and does it across 90+ countries on local rails, with 200+ reachable in total. Bootstrapped to EUR 60.1M revenue, Danish FSA triple-licensed, 0% chargeback liability out of the bank-to-bank architecture. A quarter of the Power50 use it for a reason: global payouts through domestic clearing arrive faster and cost less than international wires. The payout-first model is both the main strength and the main limitation, since the Money In pay-in product is open banking only and no part of the stack does card acquiring.
Strongest Point
Global payout reach through local banking rails. This is not a payments company that bolted on international transfers as a feature. Every piece of Inpay's infrastructure is built to route money from your platform to player bank accounts in 90+ countries through domestic clearing systems. The result: payouts that arrive same day at a fraction of SWIFT wire costs, with 0% chargeback exposure because bank transfers don't reverse like card payments. Operators like 888 and Betsson chose this over building their own banking network, and that decision is validated every time a player in the Philippines or Nigeria gets paid instantly instead of waiting 3-5 days for a wire.
Key Limitation
No card acquiring. Money In handles open-banking pay-ins and Inpay does market it to gambling operators, but nothing in the stack touches Visa or Mastercard, so any operator with a card-led deposit mix needs a second provider: Trustly for European banking, Nuvei for global cards, AstroPay for Latin American wallets. That means two integrations minimum, two settlement streams and two reconciliation processes. The $150k monthly minimum also cuts out smaller operators, and custom-only pricing with nothing published makes cost planning harder than it should be.
Recommendation
Add Inpay if you pay out to players in 10+ countries and your current cross-border withdrawal process involves SWIFT wires, manual bank transfers or multiple local providers stitched together. The savings versus wire transfers and the speed improvement will justify the integration cost for most mid-market operators. If your payouts are exclusively European, Trustly or Brite handle that with deposits included. If you process under $150k/month, you are below their threshold.
Pros
- Pays out to 90+ countries through local bank rails instead of international wires. The cost difference is dramatic: a $200 payout through SWIFT costs $15-40 in wire fees plus intermediary charges. Through Inpay the same payout costs $2-4 at 1% and arrives the same day. At scale this saves thousands monthly.
- 0% chargeback liability is structural. Bank-to-bank transfers have no chargeback mechanism. Card networks let players dispute charges for 120+ days. Once an Inpay payout settles, it's settled. No disputes, no liability, no reserve held against potential chargebacks.
- Danish FSA triple-licensed with the first simultaneous EMI, PSP and TPP authorization in Scandinavia. Supports MGA, UKGC and Curaçao gambling licenses. Full auto KYC/AML. This is serious regulatory standing that makes compliance teams comfortable.
- Bootstrapped to EUR 60.1M revenue and EUR 13.0M EBITDA without outside funding. No VC exit timeline, no growth-at-all-costs pressure. A quarter of the Power50 use them. When a company this size has no outside investors, every dollar of growth came from operators paying for a service they kept using.
- Instant payouts in supported corridors with T+0 to T+1 operator settlement. Faster than Nuvei at T+2 to T+7, Worldpay at T+2 to T+7 and AstroPay at T+1 to T+2. Only Brite at T+0 and Trustly at T+1 match this consistently.
- Eurogiro postal banking network extends reach to 70,000+ physical access points in markets where bank penetration is low. Players in parts of Asia and Africa can collect payouts at post offices. No other iGaming payment provider offers this.
Cons
- No card acquiring anywhere in the stack. Money In covers open-banking pay-ins and Inpay does sell it to iGaming, but Visa and Mastercard volume has to go somewhere else, so most operators run two integrations, two settlement reconciliations and two provider relationships. Trustly, Nuvei and AstroPay handle both directions on one contract.
- $150k minimum monthly volume excludes startups and small operators. It is a lower bar than Trustly's $300k or Brite's $200k, but if you're processing $50k/month in payouts, Inpay won't take you on. You need to be mid-market or above.
- Custom-only pricing with nothing published. You call sales and negotiate without benchmarks. Noda publishes open banking rates from 0.1% and NOWPayments shows 0.5-1%. With Inpay you cannot estimate costs until after the first sales call. Makes budget planning harder than it should be.
- Only two pre-built iGaming platform connectors, SoftSwiss and EveryMatrix (MoneyMatrix), plus Corefy for orchestrated stacks. Anything else means custom API work, which adds 2+ weeks to the integration timeline on top of the 2-3 week high-risk compliance review.
- 3.2/5 Trustpilot from 2 reviews provides zero usable data on service quality. Unlike AstroPay at 4.3/5 from 9,591 reviews or Worldpay at 4.3/5 from 10,144, there is no consumer-side validation at all. You are relying entirely on the Power50 client claim and named references.
Ready to evaluate Inpay for your business?
Inpay vs. Alternatives: How It Compares
Similar payment processing solutions
Trustly handles both deposits and payouts in Europe at 0-1% with 6,300+ banks and Pay N Play for registration-free gambling. Brite offers 4-second median payouts in 27 EU markets with a dedicated iGaming product. Nuvei covers 720+ methods across 52 markets on its own count with smart routing if you need one provider for everything. For non-European markets specifically, Inpay's 90+ country reach through local bank rails is hard to match. Most operators end up running Inpay for international payouts alongside Trustly or Brite for European deposits and payouts.
When to Choose an Alternative
- Trustly
Choose Trustly if you operate in Europe and want deposits plus payouts from one provider. 6,300+ banks, Pay N Play, 0-1% fees. Handles everything Inpay does within Europe plus the deposit side.
- Brite
Choose Brite if you need the fastest European payouts with 4-second median processing. Deposits included. Brite Play adds KYC verification. But Europe only, 27 markets.
- Nuvei
Choose Nuvei if you want one provider for everything: cards, banking, wallets across 52 markets by Nuvei's count. Smart routing. More expensive but eliminates multi-provider complexity.
- AstroPay
Choose AstroPay if your payout needs are concentrated in Latin America and India. Handles deposits too. Wallet creates player stickiness. But limited to LATAM and India, no global reach.
- Worldpay
Choose Worldpay if card-based payouts at enterprise scale are the priority. UKGC-grade compliance, global acquiring. But card payouts carry chargeback risk that Inpay's bank transfers avoid entirely.
TODA Pay
Banking Circle- 8.4
Trustly
Open Banking PSP- Deposit Fee
- 0-1%
- Settlement
- T+1
- Methods
- Not published
- Rating
- 2.9/5
- 6.8
Brite
Open Banking- Deposit Fee
- 0.5-1.5%
- Settlement
- T+0 - T+1
- Methods
- Not published
- 8.7
Nuvei
Full-Stack PSP- Deposit Fee
- Custom 1.5-3.5%
- Settlement
- T+2 - T+7 (custom)
- Methods
- 720+
- Rating
- 3.7/5
- 8.5
Paysafe
Full-Stack PSP- Deposit Fee
- Custom 1-2.9%
- Settlement
- T+3
- Methods
- 260+
- Rating
- 1.3/5
- 8.2
Adyen
Enterprise PSP- Deposit Fee
- 0.6% + interchange
- Settlement
- T+1 - T+3
- Methods
- 250+
- Rating
- 1.3/5
Related Reading
Operator guides and analysis relevant to evaluating Inpay.
- How to Get a Gambling Merchant AccountGuide →
- High-Risk Payment ProcessingGuide →
- iGaming Payment ProcessingGuide →
- Gaming Payment GatewayGuide →
- Pay N Play 2.0 Architecture: Trustly's Azura and the Operator Lock-InRead →
- iGaming Treasury 2026: Stablecoin Reserves and Bank Concentration RiskRead →
- PSD3 and PSR for iGaming: Q2 2026 Texts and the Liability ShiftRead →
- SEPA Instant iGaming Payouts: 10-Second EU Withdrawals at Bank CostRead →
End of Report. Inpay Provider Assessment Report 2026
Prepared and reviewed by the iGaming Payment Solutions Editorial Team ·